CERTIFICATE OF INSURANCE. We agree to pay the benefits provided by the Group Policy according to all its conditions and provisions.

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1 INVESTORS HERITAGE LIFE INSURANCE COMPANY 200 Capital Avenue, Frankfort, KY (800) (Referred to in the Group Policy as the Company, We, Us, Our) CERTIFICATE OF INSURANCE We agree to pay the benefits provided by the Group Policy according to all its conditions and provisions. This Certificate describes the principal provisions of, but does not constitute the entire contract of insurance. The entire contract of insurance is available for inspection at the Home Office of the Company. This Certificate replaces any previous Certificate issued to You for the insurance described in this Certificate. All benefits are subject in every way to the entire Group Policy. Signed for the Company at Frankfort, Kentucky on the Certificate Effective Date by: President Secretary GROUP TERM LIFE INSURANCE CERTIFICATE Non-Participating Non-Contributory IHL-GPCERT (6-2013) 1 KY

2 TABLE OF CONTENTS Page Schedule of Benefits... 3 Definitions... 4 Conditions for Insurance... 5 Member Life Insurance... 6 Insured Dependent Spouse Life Insurance... 6 Beneficiary... 8 Payment of Death Proceeds... 8 IHL-GPCERT (6-2013) 2 KY

3 SCHEDULE OF BENEFITS Group Policyholder: Group Policy Number: Certificate Number: United Business Association 4G0400 [GC-001] Certificate Effective Date: [07/01/13] Insured Member: Eligible Class: Insured Member s Beneficiary: Dependent Spouse Life Insurance: Insured Dependent Spouse (if applicable): Insured Dependent Spouse s (if applicable) Beneficiary: [John Doe] [Association Member] [Jane Doe] [Yes; No] [Jane Doe] [John Doe] AMOUNT OF MEMBER INSURANCE Class Life Insurance All Members $5,000 AMOUNT OF DEPENDENT SPOUSE INSURANCE * Class All Eligible Dependent Spouses of All Insured Members under a family plan of the Association Life Insurance $5,000 *In no event will the amount of the Insured Dependent Spouse Insurance exceed the amount of the Insured Member s Insurance. IHL-GPCERT (6-2013) 3 KY

4 DEFINITIONS Certain words or phrases, when used in this Certificate of Insurance, have only the meanings shown below. When a defined word or phrase is used, it is capitalized to indicate that it has been defined. The definitions are listed in alphabetical order. Association means United Business Association to which the Group Policy is issued and named as the Group Policyholder on the Schedule of Benefits of this Certificate of Insurance. Beneficiary means the person or persons named in writing by the Insured Person to receive the life insurance benefits and accidental death benefits. Eligible Member means a person who is at least 18 years of age and a member in good standing of the Association. Eligible Dependent Spouse means the Insured s lawful spouse, including a legally separated spouse, residing in the United States and a named member of the Association under a family plan. The Insured Member may not insure his or her spouse if the spouse is enrolled for insurance under the Group Policy as an Insured Member. (Spouse, wherever used, includes domestic partner. Domestic partner is the person named in the Insured s declaration of domestic partnership. The Insured Member must execute and provide the Group Policyholder with such a declaration which states and gives proof that the domestic partnership meets the requirements of the State in which the Insured Member and the domestic partner reside.) Insured Member, You means the Eligible Member who is insured under the Group Policy. Insured Dependent Spouse means the Eligible Dependent Spouse who is insured under the Group Policy. Insured Person means the Insured Member and his or her Insured Dependent Spouse who are insured under the Group Policy. Group Policy means the Group Policy issued to the Group Policyholder. Group Policyholder means the Association named as the Group Policyholder on the Schedule of Benefits of this Certificate of Insurance. IHL-GPCERT (6-2013) 4 KY

5 CONDITIONS FOR INSURANCE ELIGIBILITY FOR INSURANCE The Schedule of Benefits shows the Eligible Class for Eligible Members. A person is an Eligible Member on the date he or she becomes a member in good standing of the Association. The Schedule of Benefits shows the Eligible Classes for Eligible Dependent Spouses. If Dependent Spouse life insurance is applicable to Your Eligible Class and You have elected this benefit as shown on the Schedule of Benefits, Your spouse is an Eligible Dependent Spouse on the date You are eligible. WHEN INSURANCE STARTS Eligible Members are insured on the date he or she becomes an Eligible Member. This is the Certificate Effective Date as shown on the Schedule of Benefits. An Eligible Dependent Spouse is insured on the date the Insured Member s insurance becomes effective. If the Insured Member does not have an Eligible Dependent Spouse on the date his or her insurance becomes effective, insurance for an Eligible Dependent Spouse of the Insured Member will become effective on the date the Insured Member acquires an Eligible Dependent Spouse. WHEN INSURANCE ENDS Insurance for an Insured Member will end automatically on the earliest of the following dates: 1. The date the Insured Member is no longer a member in good standing of the Association; 2. The date the Insured Member reaches age 65; or 3. The date the Group Policy ends. Insurance for an Insured Dependent Spouse will end automatically on the earliest of the following dates: 1. The date the Insured Member s insurance ends; 2. The date the Insured Dependent Spouse is no longer an Eligible Dependent Spouse as defined; or 3. The date the Eligible Dependent reaches age 65. INCONTESTABILITY The validity of this Group Certificate shall not be contested except for nonpayment of premiums after it has been in force for two years from the Certificate Effective Date. Statements made by any person insured may not be used to contest the Insured Person s insurance unless: 1. The insurance has been in force for less than two years during the Insured Person s lifetime; 2. The statement is in written form signed by the Insured Person; and 3. A copy of the form which contains the statement is given to the Insured Person or the Insured Person s Beneficiary at the time insurance is contested. IHL-GPCERT (6-2013) 5 KY

6 INSURED MEMBER LIFE INSURANCE Life Insurance Benefit We will pay the Amount of Member Life Insurance shown in the Schedule of Benefits to Your Beneficiary upon receipt of due proof of death. Suicide Exclusion If the Insured Member s death is due to suicide, while sane or insane, within two years from the Certificate Effective Date, We will only pay a benefit equal to the premium paid. Conversion Privilege When Your Life Insurance ceases, You may apply to Us for an individual life policy (called the Converted Life Policy). A Converted Life Policy will be issued if You are Eligible to Convert, and You apply in writing and pay the first premium for the Converted Life Policy to Us within 31 days after the date Your Life Insurance ceases. Evidence of insurability is not needed. Insured Members Eligible to Convert You are Eligible to Convert Your Life Insurance only if: 1. Your insurance ceases due to no longer being a member in good standing of the Association; or 2. The Group Policy is cancelled for the Class of insureds to which You then belong and You have been insured under the Group Policy for at least five years before it is cancelled. Converted Life Policy The amount that You may convert when You lose Your Life Insurance will not be more than the amount of Your Life Insurance which terminates at that time. If all insurance under the Group Policy is cancelled on the Class of insureds to which You belong, the amount of insurance under the Converted Life Policy will not be more than the smaller of: 1. The amount of Your insurance which ceases less any amount of group life insurance for which You become eligible within 31 days after the insurance ceases; or 2. $10,000. The Converted Life Policy will be one of the Company's current offerings based on its rules for Converted Life Policies. It will be issued at Your attained age for the premium that applies to the class of risk to which You then belong and will take effect on the 32nd day after the date Your Life Insurance ceases. Neither term insurance nor disability benefits are offered under the Converted Life Policy. Payment During the 31-Day Conversion Period If You die during the 31 days in which You may convert Your Life Insurance, We will pay Your Beneficiary the amount of insurance which You could have converted. In this case, no payment will be made under a Converted Life Policy. INSURED DEPENDENT SPOUSE LIFE INSURANCE Life Insurance Benefit If Dependent Spouse Life Insurance is shown as applicable to Your Class and You have elected this benefit as shown on the Schedule of Benefits, We will pay the Amount of Dependent Spouse Life IHL-GPCERT (6-2013) 6 KY

7 Insurance shown on the Schedule of Benefits to You upon receipt of proof of the Dependent Spouse s death. Suicide Exclusion If the Insured Dependent Spouse s death is due to suicide, while sane or insane, within two years from his or her effective date of coverage under this Certificate, We will only pay a benefit equal to the premium paid for the Insured Dependent Spouse s insurance. Conversion Privilege When an Insured Dependent Spouse's Life Insurance ceases, such Insured Dependent Spouse may apply to the Company for an individual life policy (called the Converted Life Policy). A Converted Life Policy will be issued to an Insured Dependent Spouse who is Eligible to Convert if he or she applies in writing and pays the first premium for the Converted Life Policy to the Company within 31 days after the date the Life Insurance ceases. Evidence of insurability is not needed. Dependents Eligible to Convert An Insured Dependent Spouse is Eligible to Convert only if: 1. The Insured Dependent Spouse's Life Insurance ceases because the Insured Member s insurance under the Group Policy ceases; 2. The Insured Dependent Spouse ceases to be an Eligible Dependent Spouse as defined; or 3. Dependent Spouse Life Insurance is cancelled for the class of Insured Members to which the Insured Member then belongs and the Insured Dependent Spouse has been insured under the Group Policy for at least five years before the insurance is cancelled. Converted Life Policy The amount of insurance under the Insured Dependent Spouse's Converted Life Policy will not be more than the amount of that Insured Dependent Spouse's Life Insurance which ceases. If all Insured Dependent Spouse's Life Insurance is cancelled for the class of Insured Members to which the Insured Member belongs, the amount of insurance under the Insured Dependent Spouse's Converted Life Policy will not be more than the smaller of: 1. The amount of the Insured Dependent Spouse's insurance which ceases less any amount of group life insurance for which the Insured Dependent Spouse becomes eligible within 31 days after the insurance ceases; or 2. $10,000. The Converted Life Policy will be one of the Company's current offerings based on its rules for Converted Life Policies. It will be issued at the Insured Dependent Spouse's attained age for the premium that applies to the class of risk to which the Insured Dependent Spouse then belongs and will take effect on the 32nd day after the date the Life Insurance for the Insured Dependent Spouse ceases. Neither term insurance nor disability benefits are offered under the Converted Life Policy. Payment During the 31-Day Conversion Period If the Insured Dependent Spouse dies during the 31 days in which he or she may convert his or her Life Insurance, the Company will pay You the amount of insurance which the Insured Dependent Spouse could have converted. In this case, no payment will be made under a Converted Life Policy. IHL-GPCERT (6-2013) 7 KY

8 BENEFICIARY Specifying the Beneficiary The Insured Member will designate a Beneficiary for Member Life Insurance. The Beneficiary designation must be made on a form which We provide or on a form acceptable to Us. The Insured Member may also designate a contingent Beneficiary. All Beneficiary designations will be filed with the Company or, if agreed to in advance by Us, with the Group Policyholder. If two or more Beneficiaries are named, payment will be apportioned equally unless the Insured Member has specified otherwise. Unless otherwise provided by the Insured Member, if a Beneficiary dies before the Insured Member, We will divide that Beneficiary s share equally between any remaining named Beneficiaries. If no named Beneficiary survives the Insured Member or if no Beneficiary is designated by the Insured Member, We will pay the death benefits to the Insured Member s estate. If a Beneficiary is a minor or is not able to give Us a valid release for any payment of benefits made, We will not make a payment until a claim is made by the person or entity which, by court order, has been granted control of the estate of such Beneficiary. This provision does not prevent Us from making payment to or for the benefit of a minor Beneficiary in accordance with the applicable State law. If Insured Dependent Spouse Life Insurance is shown as applicable to Your Class and You have elected this insurance as indicated on the Schedule of Benefits, You are the Beneficiary for Dependent Spouse Life Insurance unless otherwise specified in writing to Us by You. Change of Beneficiary The Insured Person may change his or her Beneficiary designation at any time. The change must be made on a form satisfactory to Us and signed by the Insured Person. No change of Beneficiary will take effect until this form is received by Us or by the Group Policyholder, if it has been agreed that Beneficiary designations be filed with the Group Policyholder. When this form is received, the change will take effect as of the date on the form. If the Insured Person dies before the form is received, We will not be liable for any payment that was made before receipt of the form. Consent of Beneficiary Consent of the Beneficiary will not be required to change the Beneficiary or to effect any other changes. PAYMENT OF DEATH PROCEEDS Payment of Benefits All proceeds payable because of an Insured Person s death will be paid to the Beneficiary no later than 2 months following the date We receive sufficient proof of death and the right of the claimant to the proceeds. Appropriate forms for giving Us proof of death will be made available to the Insured Person s Beneficiary upon request. Benefits will be paid in a lump sum (cash) unless otherwise agreed. Benefits for the loss of life of an Insured Dependent Spouse, will be paid to the Insured Member. If the Insured Member does not survive the Insured Dependent Spouse, any benefits for loss of life of the Insured Dependent Spouse will be paid to the executors or administrators of the Insured Dependent Spouse. IHL-GPCERT (6-2013) 8 KY

9 Interest on Payment We will add interest to the death proceeds payable from the date of death until the date of Our payment at the rate then used by Us, which in no event will be less than the rate and method required by State law. Protection of Proceeds To the extent permitted by law, no payment of proceeds or interest will be subject to the claims of any creditors of the Beneficiary or to any legal process against the Beneficiary. Facility of Payment If any death benefits are to be paid to the estate of the Insured Person, We may pay an amount not greater than $250 to any person We consider to be equitably entitled by reason of having incurred funeral or other expenses incident to the Insured Person s death. Any and all payments made by Us shall fully discharge Us in the amount of such payment. Autopsy We, at Our expense have the right to have an autopsy performed, unless it is prohibited by law. IHL-GPCERT (6-2013) 9 KY

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